As freelance writers, we’ve all been there.

Where?

In debt.

Maybe it’s not a lot of debt – maybe just a couple of credit card bills that are racking up some interest because your income forecasting fell short. It’s just a bad year in a cycle of good and bad years. Or maybe it’s more than that. Maybe you’ve recently faced some emergency expenses and you’re buried under a pile of loans and bills, some of which are even going to collections. [Read more…]